Affordable Individual Health Insurance -- Be Sure To Study This

Are you certain you really want cheaper individual health insurance rates? If your answer is "Yes" you must do all within your ability to uncover as many ideas as as possible for cheaper rates. I've provided enough suggestions to help most people make savings of more than 50% on insurance...

1. There are established name brands in the pharmaceutical industry. If you buy such drugs, your cost will be more. But will you believe it if I told you that all generic drugs are mandated by law to include the same percentage of active ingredients as brand name drugs? The inactive ingredients are the only differences between generic drugs and brand names.

The truth remains that you only spend more when you buy a big brand name drug and do NOT enjoy anything more in value. However, take the time to ask a doctor you can truly trust about this before you settle for any drug.

2. Electronic Funds Transfer, known as EFT is a smart way to reduce your individual health insurance rate. By doing this you authorize an insurer to automatically withdraw your payments from your account when due. This saves costs by eliminating the need for payment notices or checks. This is why this attracts cheaper rates.

3. For folks who have a pre-existing condition that makes it hard or too expensive for them to enjoy private individual health insurance, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance would offer a cheaper alternative.

4. If you want to spend less on health insurance open a Flexible Spending Account. You can put away tax-free dollars to take care of your health needs. Any amount unused could be rolled over into the next year (still tax free). This offers you a tax free way of building considerable reserves of funds for your health needs.

5. The greater number of individual health insurance plans include about two complimentary medical check ups.

Why does this result in savings?

It it leads to considerable savings because the cost of dealing with diseases in their mild stages is cheaper than malignant health conditions. You reduce the risk to your insurer when health conditions are quickly diagnosed.

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